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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $136,198 | $142,361-4.3% | $119,608+13.9% | $134,509+1.3% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | -14.19% | -12.46%-1.7pp | -14.98%+0.8pp | 418.13%-432.3pp |
| Employer contribution / active EE | $3,066 | $5,224-41.3% | $4,232-27.5% | $4,741-35.3% |
| Participant deferral / active EE | $9,247 | $6,468+43.0% | $5,601+65.1% | $6,400+44.5% |
| Admin fee / account holder | $3,270 | $13,588-75.9% | $10,326-68.3% | $11,427-71.4% |